| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY B WHITE3 | PO BOX 568 DICKSON, TN 37056 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $33K | — | $33K | 5.76% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $602 | $11K | 12.95% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | USABLE LIFE | $982 | — | $982 | 21.70% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE - 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $372 | — | $372 | 8.22% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | USABLE LIFE | $633 | — | $633 | 30.19% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE - 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $184 | — | $184 | 8.77% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | USABLE LIFE | $215 | — | $215 | 21.52% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE - 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $32 | — | $32 | 3.20% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 253 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 253 | $568K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 253 | $568K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 253 | $568K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 227 | $83K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 227 | $88K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 227 | $83K |
| Other(2 contracts) | USABLE LIFE | 11 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.